The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$21,699
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$22,374
−HK$686/mo
Today · 4.125%
HK$23,060
baseline
▲ 0.50% · 4.625%
HK$24,463
+HK$1,403/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$46,120/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$321,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,140
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$24,787
−HK$657/mo
Today · 4.125%
HK$25,444
baseline
▲ 0.50% · 4.625%
HK$26,785
+HK$1,341/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$50,888/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$321,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,039
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$26,849
−HK$822/mo
Today · 4.125%
HK$27,671
baseline
▲ 0.50% · 4.625%
HK$29,355
+HK$1,684/mo
Deposit HK$3.81M · loan HK$5.71M · min. income ≈ HK$55,342/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$321,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,968
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$29,745
−HK$788/mo
Today · 4.125%
HK$30,533
baseline
▲ 0.50% · 4.625%
HK$32,142
+HK$1,609/mo
Deposit HK$3.81M · loan HK$5.71M · min. income ≈ HK$61,066/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$321,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,378
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$31,323
−HK$960/mo
Today · 4.125%
HK$32,283
baseline
▲ 0.50% · 4.625%
HK$34,248
+HK$1,965/mo
Deposit HK$2.85M · loan HK$6.66M · min. income ≈ HK$64,566/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$321,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,796
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$34,702
−HK$920/mo
Today · 4.125%
HK$35,622
baseline
▲ 0.50% · 4.625%
HK$37,499
+HK$1,877/mo
Deposit HK$2.85M · loan HK$6.66M · min. income ≈ HK$71,244/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$321,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,058
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$40,273
−HK$1,234/mo
Today · 4.125%
HK$41,507
baseline
▲ 0.50% · 4.625%
HK$44,033
+HK$2,526/mo
Deposit HK$952K · loan HK$8.56M · min. income ≈ HK$83,014/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$321,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,452
−HK$2,347/mo
▼ 0.25% · 3.875%
HK$44,617
−HK$1,182/mo
Today · 4.125%
HK$45,799
baseline
▲ 0.50% · 4.625%
HK$48,213
+HK$2,414/mo
Deposit HK$952K · loan HK$8.56M · min. income ≈ HK$91,598/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$321,597 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).